In response to COVID-19, the City of Mission Viejo has compiled a resource guide to assist local businesses and residents that have been impacted or need additional information.
- Business Resources
- State of California Economic Development
- Residential Resources
- Additional Resources
Health and Safety
CDC: Centers for Disease Control and Prevention
The CDC has compiled interim guidance for businesses and employers based on current guidelines. The CDC is providing this guidance to help prevent workplace exposures to COVID-19 (in non-healthcare settings) and planning considerations for community spread.
Coronavirus Disease 2019 (COVID-19): Resources for Businesses and Employers.
- Preparing workplaces for a COVID-19 outbreak.
- Reduce transmission among employees.
- Maintain healthy business operations.
- Maintain a healthy work environment.
- Resources for more information (Including OSHA guidance).
The Coronavirus Aid, Relief, and Economic Security (CARES) Act legislation passed to aid small businesses during the pandemic and economic downturn. The program will provide much-needed relief to millions of small businesses, so they can sustain their businesses and keep their workers employed.
Orange County Small Business Grant Relief Program
The County of Orange has initiated a Small Business Grant Relief Program to support small businesses and organizations impacted by COVID-19 in Orange County Supervisorial District Five. Grants up to $10,000 will be available to eligible small businesses and non-profits within the district, which includes Mission Viejo.
The business applicant must prove that their business has been affected by COVID-19 in at least one of the following ways: Sales from the business are down more than 25% compared to the previous three months (prior to March 1, 2020); the business has had to lay off at least one of its employees (full or part time); or the business was forced to shut down by the state or local government.
Applicants that meet the criteria will be randomly selected based on the percentage of population of each city/unincorporated area within the district. The application period opens June 22, 2020, at 10:00 a.m. and goes through July 5th, 2020, at 5:00 p.m.
Business owners can join informational webinars with County officials and the Small Business Development Center (SBDC) to learn more about the grant program and have questions answered live. The first webinar, in English, is Thursday, June 11, at 12:00 p.m. and a webinar with Spanish translation will be held Friday, June 12 at 12:00 p.m. The last webinar held is Friday, June 19, 2020 at 2:00 p.m. Those interested can register for the webinars online in advance.
For more information on this program please contact City of Mission Viejo Planning Technician Sarah McMillan at firstname.lastname@example.org.
Small Business Administration
The U.S. Small Business Administration (SBA) is offering low-interest federal disaster loans for working capital to California small businesses – including those in Mission Viejo – suffering substantial economic injury because of the coronavirus (COVID-19). Funding is limited and applicants are encouraged to apply early and for multiple types of loans.
The SBA has a full menu of funding relief options including SBA Debt Relief, SBA Express Bridge Loans, EIDL Loan Advance and Paycheck Protection Program.
Eligibility for Economic Injury Disaster Loans (EIDL) is based on the financial impact of the coronavirus (COVID-19). “Small businesses, private nonprofit organizations of any size, small agricultural cooperatives and small aquaculture enterprises that have been financially impacted as a direct result of the coronavirus (COVID-19) since Jan. 31, 2020 may qualify for Economic Injury Disaster Loans of up to $2 million to help meet financial obligations and operating expenses which could have been met had the disaster not occurred,” said SBA Administrator Jovita Carranza.
The interest rate is 3.75 percent for small businesses. The interest rate for private nonprofit organizations is 2.75 percent. For the Injury and Disaster Loan, applicants can apply online here. To receive additional disaster assistance information and download applications, click this link.
For assistance, contact (800) 659-2955 or email@example.com. People who are deaf or hard‑of‑hearing can call (800) 877-8339.
Completed applications should be mailed to U.S. Small Business Administration, Processing and Disbursement Center, 14925 Kingsport Road, Fort Worth, TX 76155.
The deadline to apply for an Economic Injury Disaster Loan is Dec. 16, 2020.
Notice: Due to limited funding and large volume of applications already submitted, only agricultural business applications will be accepted at this time. Any applications that have already been submitted, will continue to be processed on a first come, first served basis. Updates on availability of the EIDL portal will be provided as new information becomes available. For status information, please visit Office of Disaster Assistance as the SBA offices are unable to provide such information.
Notice: PPP Resumes April 27, 2020
The SBA will resume accepting Paycheck Protection Program applications from participating lenders on Monday, April 27, 2020 at 10:30am EDT.
Information is found online at www.sba.gov/paycheckprotection.
Paycheck Protection Program (PPP) is available to all businesses with 500 employees or less. If a business has more than 500 employees, determine eligibility by checking with SBA employee-based standards. Loans can be used for payroll costs, benefits, interest or mortgage obligations, rent or utilities. Applications are available by applying here.
- Frequently Asked Questions for Lenders and Borrowers (Update 6/25/2020).
- Folder of Important Information compiled by SBA OC/IE District Office.
- How to Calculate PPP Loan Amounts.
- Interim final rule (5/13/20) relating to loan increases.
- Interim Final Rule for Applicable Affiliation Rules for the PPP.
- The PPP second round approvals.
Economic & Business Recovery Call Center
Orange County Community Services has implemented a call center to meet the needs of businesses – including those in Mission Viejo – impacted by the novel coronavirus (COVID-19) pandemic.
The Economic & Business Recovery Call Center offers information and resources to help Orange County businesses navigate the current economic climate. These resources will support businesses with challenges such as lay-off aversion, loans, utility reduction programs, and community resources mapping.
Businesses can call the Economic & Business Recovery Call Center at 714-480-6500 from 8 am to 5 pm Monday through Friday. Bilingual call center operators will be available to assist and assess situations, and offer resources tailored to meet individual business needs. Translation for the call center will be available in more than 240 languages. For more information, visit https://occommunityservices.org.
OCCS Workforce & Economic Development Division
For employers and employees in need of assistance, the Orange County Workforce Development Board (OCWDB) and Orange County Community Services (OCCS) Community Investment Division have implemented multiple guides and resources. Topics for businesses include grants and loans available for employers; planning tools to help with navigating these uncertain times; guidance for companies; and other resources for local business. Employees will find ways to stay informed; what to do if they become sick, laid off or their hours are reduced; and how-to YouTube videos to apply for unemployment or disability insurance. The guides also include details about managing finances; temporary or new employment opportunities; available jobs; government support like tax deferral; deferment of bills; Orange County One-Stop Centers for job seekers; and more. For more information, visit https://occommunityservices.org/cid.
Guides and Weblinks:
- Economic & Business Recovery Services
- For Businesses & Individuals.
- List of Banks Offering COVID-19 Relief
- Relief for individuals and businesses.
- Rapid Response Resources for Individuals
- Impacted by COVID-19 & Information for employment transition.
- Who’s hiring in Orange County amid COVID-19
- Job List.
- Novel Coronavirus - COVID-19 (OC Health Care Agency)
- Case counts, guidance, etc.
- COVID-19 and Mental Health
- Orange County One-Stop Center
- Assistance for jobseekers with finding jobs at no-cost.
SBDC: Small Business Development Center (Orange County)
SBDC has COVID-19 step-by-step video guides, webinars, online business consulting and other downloadable online resources.
Downloadable SBDC Guide the Latest News and Resources for Your Business.
Download this guide to learn about FAQs regarding Employment Development Department (EDD) resources, SBA’s Economic Injury Disaster Loan program, our SBDC Finance Center, how we can help – and more! Download Now.
Orange County Business Council
Have you considered the possibility of transitioning your business operations online? Orange County Business Council is hosting online seminars to help businesses with this technology. Visit the council at www.ocbc.org to find out more.
Employment Development Department
- Unemployment Insurance Work-Sharing Program
- Disability Insurance
- Paid Family Leave
- Tax Assistance
- Employers experiencing a hardship as a result of COVID-19 may request up to a 60-day extension of time from the EDD to file their state payroll reports and/or deposit state payroll taxes without penalty or interest. A written request for extension must be received within 60 days from the original delinquent date of the payment or return. Call the EDD Taxpayer Assistance Center (1-888-745-3886).
- Businesses should check their insurance coverage to determine if they have business interruption insurance, which generally helps protect against lost income after a covered peril that affects a business.
- Businesses should consult their banks to confirm financial services available including emergency access to capital, small business loans and waivers for late fees.
- For more information, visit Employment Development department COVID-19 FAQs.
Unemployment Insurance Work-Sharing Program
Employers who are considering laying off employees due to a slowdown in business from the coronavirus can apply for the UI Work-Sharing Program, which partially offsets reduced worker hours and wages with UI benefits. The program allows you to retain trained employees and quickly prepare for when business improves.
You can apply for a Work-Sharing plan by completing the application and mailing it to the address on the top of the form.
Small Business Finance Center (SBFC)
The state of California’s CA Infrastructure and Economic Development Bank’s (IBANK) Disaster Relief Loan Guarantee Program (DRLGP) for small businesses affected by COVID-19 is also accepting applications.
The Small Business Finance Center (SBFC) partners with Financial Development Corporations to provide loan guarantees and direct loans for small businesses that experience capital access barriers.
Who Can Apply
- Small Businesses located in California with 1-750 employees that have been negatively impacted or experienced disruption by COVID-19
- Eligible Nonprofits
- Guaranteed up to 7 years
- Guarantees up to 95% of loan
- Loan interest rates negotiated between lender and borrower
- Qualifications based on lender criteria
Loan proceeds to be used for continuance of business including, but not limited to:
- The funds are meant to help small businesses through this challenging time. Loan proceeds can be used for business continuance or to cure “economic injury” as a result of the COVID-19 pandemic.
How to Apply
Qualifying small business owners may apply directly with a participating lender:
- First Northern Bank of Dixon (existing clients as of April 7, 2020)
- Pacific Community Ventures (existing clients)
- Economic Development Collaborative (Ventura County, Santa Barbara County)
More information on the Small Business Finance Center (SBFC) IBANK Disaster Relief Loan is available here.
Facebook Small Business Grants Program
"We know that your business may be experiencing disruptions resulting from the global outbreak of COVID-19. We’ve heard that a little financial support can go a long way, so we are offering $100M in cash grants and ad credits to help during this challenging time," according to facebook.com.
More information on Facebook Small Business Grants Program is available here.
James Beard Foundation
The James Beard Foundation is working to bring restaurants, bars, and other independent food and beverage operations economic relief by launching a fund that will gather support from corporate, foundation, and individual donors to provide micro-grants to independent food and beverage businesses in need.
More information on the James Beard Foundation Fund is available here.
Go Fund Me
The Small Business Relief Initiative was started by GoFundMe to help small businesses that have been affected by the COVID-19 pandemic and empower their communities to rally behind them. GoFundMe has partnered with Yelp and Intuit QuickBooks to provide small business owners with the financial support and resources needed to continue running their businesses during and after the coronavirus crisis.
As part of the Small Business Relief Initiative, GoFundMe, Yelp, and Intuit QuickBooks have each donated $500,000 to the Small Business Relief Fund. GoFundMe.org, the company’s charitable and advocacy arm, started the Small Business Relief Fund to benefit small businesses. Supporters can donate to the Small Business Relief Fund and GoFundMe.org will provide grants to small businesses across the United States, starting with the hardest hit areas. The Small Business Relief Fund will issue $500 matching grants to qualifying businesses that raise at least $500 on GoFundMe. More partners will be announced in relation to this initiative at a later date.
Yelp has established $25 million in relief focused to support independent local restaurant and nightlife businesses by waiving advertising fees, offering free advertising, products and services during this period. As part of this relief effort, restaurants and businesses remaining open will receive free access to Yelp page upgrades including Business Highlights and Call To Action as well as Connect, which will help them communicate timely information to their customers. Restaurants will also receive three months of free access to Yelp Reservations and Waitlist. For restaurant clients that offer delivery and/or takeout, Yelp will provide $100 in free search advertising. In addition to waiving advertising fees for independent restaurant and nightlife clients during this period, Yelp also offers support for independent local advertisers in other categories that are struggling to pay their bills during this difficult time.
More details on the restaurant and nightlife business relief program can be found here.
Download the WhutsFree app to advertise to customers a “free offer.” Customers can search participating businesses in the area and access the free offer right from their phone. WhutsFree creates and advertises the offer at no charge. Download the app for free or contact firstname.lastname@example.org for more information.
Understanding the toll of small businesses closing their doors to help fight the spread of the COVID-19 virus, Verizon will donate $2.5 million to Local Initiatives Support Corporation (LISC), a national nonprofit that has invested $20 billion to fuel economic opportunity for people and communities across America.
More information is available here.
Credit Card Payment Leniency
Many credit card companies have announced they will provide COVID-19 relief for small businesses by waiving service fees for 30 days or offering other types of disaster relief assistance for small businesses. Check with your bank or credit card company to find out if they are offering any special services during the COVID-19 pandemic. During times of crisis, many lenders and credit card companies are willing to negotiate on payment timelines and fees.
See this list of banks helping customers who are impacted by the coronavirus.
Please be advised that many restaurants in Mission Viejo are still open for take-out and /or delivery. Please see this link for more information.
Great Plates Delivered
Great Plates Delivered seeking restaurants to service seniors during self-isolation.
The County recently announced the Great Plates Delivered program to support seniors and local businesses needing assistance during the COVID-19 crisis. The program calls for local food providers to deliver three nutritious meals a day to folks at high-risk from COVID-19 to support them staying home and healthy. The program will also serve as a form of economic relief to local businesses and workers struggling to stay afloat during the pandemic.
In Mission Viejo, the City is working with Age Well Senior Services on the procedures for individuals to register for this service, which will be announced in the near future. However, restaurants interested in applying for the program can find more details at this link or by calling 714-480-6450.
CA.GOV: California Coronavirus (COVID-19)
Get help for small businesses: The Governor’s Office of Business and Economic Development (GO-Biz) has compiled helpful information for employers, employees, and all Californians as it relates to the coronavirus (COVID-19) pandemic.
- Is my business considered essential or non-essential?
- Financial and Technical Assistance for Small Business.
- Labor and Workforce Support for Businesses and Employees.
- Business Taxes
Council of Development Finance Agencies (CDFA)
The Council of Development Finance Agencies is a national association dedicated to the advancement of development finance concerns and interests. According to the association, CDFA is comprised of the nation’s leading and most knowledgeable members of the development finance community representing hundreds of public, private and non-profit development entities. Members are state, county and municipal development finance agencies and authorities that provide or otherwise support economic development financing programs as well as a variety of non-governmental and private organizations including bankers, underwriters, attorneys, financial advisors and other organizations interested in development finance.
Development finance has always been at the forefront of recovering from natural disasters and economic challenges. The CDFA COVID-19 Resource Center is a collection of financing programs and resources to address disaster relief and recovery.
- Offers free business mentoring and education in partnership with the Small Business Administration and specifically a Coronavirus Small Business Resource Hub.
U.S. Chamber of Commerce
All employers should be implementing strategies to protect their workforce from the coronavirus while ensuring continuity of operations.
Created by the U.S. Chamber of Commerce Foundation, these guides are based on information provided by the CDC to help employers and employees prepare for and address the impacts of the coronavirus.
- Coronavirus (COVID-19) Workplace Tips for Employees
- Guidance For Employers To Plan and Respond To Coronavirus
- Interactive Workplace Flyer Builder
- Coronavirus Response Toolkit
CO— (by U.S. Chamber of Commerce) is working to bring you the best resources and information to help you navigate this challenging time. The coronavirus pandemic is affecting small businesses in a variety of ways. From loss of business to remote work, things are changing fast during the COVID-19 outbreak and businesses are being forced to adapt. Additionally, you can refer to your state chamber for helpful resources. The State of California has a website and dedicated page to Covid-19 resources.
Explore the opportunity to do business with FEMA to support the response to COVID-19 with your company’s non-medical goods and/or services. Submit your inquiry to the Department of Homeland Security’s Procurement Action Innovative Response (PAIR) team at DHSIndustryLiaison@hq.dhs.gov.
To sell medical supplies or equipment to the federal government, please submit a price quote under the COVID-19 PPE and Medical Supplies Request for Quotation. Full details can be found in the solicitation (Updated Notice ID 70FA2020R00000011).
This solicitation requires registration with the System for Award Management (SAM) in order to be considered for award, pursuant to applicable regulations and guidelines. Registration information can be found at www.sam.gov/SAM/. Registration must be “ACTIVE” at the time of award.
State Treasurer’s Office: 2020 Small Business Resource
- (California State Treasurer Fiona Ma's Small Business Resource List - Excel Spreadsheet Last updated: 3/27/2020)
The City of Mission Viejo has enacted an Urgency Ordinance (20-337) prohibiting or limiting residential and commercial evictions pursuant to and consistent with Governor Newsom’s Executive Order N-28-20. Also see revised Executive Order N-37-20.
What you need to know (in summary):
If you can’t pay rent due to reasons related to COVID-19 and to avoid eviction, you must satisfy the following requirements:
- You must have been up to date on paying the rent before the date of the executive order.
- Notify the landlord in writing before the rent is due, or within a reasonable amount of time, not to exceed 7 days, that the tenant needs to delay all or some payment of the rent because of inability to pay the full amount due to reasons related to COVID-19 including but not limited to:
(i)The tenant was unavailable to work because the tenant was sick with a suspected or confirmed case of COVID-19 or caring for a household or family member who was sick with suspected or confirmed case of COVID-19;
(ii) The tenant experienced a lay-off, loss of hours, or other income reduction resulting from COVID-19, the state of emergency, or related government response; or
(iii) The tenant needed to miss work to care for a child whose school was closed in response to COVID-19
- The tenant retains verifiable documentation (i.e. termination notices, payroll stubs, paychecks, bank statements, etc.) to document and support the tenant’s financial situation and assertion of inability to pay.
No writ may be enforced while the Order is in effect to evict a tenant for nonpayment of rent who satisfies the above requirements. The protections shall be in effect through May 31, 2020.
Orange County Economic Support
County grant will help 1,500 dislocated workers
The County of Orange has received a $900,000 grant from the California Employment Development Department (EDD) to provide economic support for dislocated workers.
Orange County residents whose employment recently ended as a result of COVID-19 are eligible for the Orange County Workforce Innovation Opportunity Act (WIOA) program. The program is designed to meet employer needs by helping job seekers upgrade skills, obtain employment, gain credential and improve job retention and increase earnings.
The grant will support approximately 1,500 Orange County residents who have been financially impacted by COVID-19 and need assistance.
Orange County WIOA Adult & Dislocated Worker program participants are eligible to receive up to $800 reimbursement for essentials such as housing, utilities, childcare and transportation costs.
Dislocated workers can enroll in WIOA through OC One-Stop Centers located in the cities of Irvine and Garden Grove. For more information, call the Economic and Business Recovery Call Center at 714-480-6500. To help prevent the spread of COVID-19, OC One-Stop Centers are providing services by appointment only.
If you can’t pay your mortgage due reasons related to COVID-19, contact your lender immediately. There may be programs in place for people experiencing hardship. Banks are offering options such as forbearance relief, payment deferrals, and extensions. Contact your bank to see what options are available to you.
CA.Gov: California Coronavirus (COVID-19) Response
If you have been financially affected by COVID-19, you may be eligible for services such as:
- Unemployment insurance
- Paid family leave
- Disability Insurance
- Relief from financial institutions
Learn more in this chart of benefits available for workers affected by COVID-19 and see published resources for workers affected by COVID-19.
211 offers assistance finding food, paying house bills, or other essential services.
Family Assistance Ministries
Provides case management and financial assistance to individuals and families. Financial assistance may include rent payment assistance, utility bill payment assistance, utility reconnection, water bill payment assistance, medical/ prescription payment assistance, bus passes, gas vouchers, financial management assistance, job search assistance.
- www.shareourselves.org Ph. (949) 270-2100
Provides financial assistance to individuals and families. The following assistance may be provided based on available funding: bus passes, electric service payment assistance, water service payment assistance, partial rent payment assistance, partial utilities reconnection fee (per household).
Family Crisis Center
- Ph. (323) 770-6775
Offers financial assistance and supportive services to veterans and their families without housing, living in or transitioning to permanent housing. People who are at risk of homelessness may receive financial assistance to prevent homelessness and people without housing may receive rapid re-housing financial assistance such as rental deposit assistance, short-term rental assistance, case management, financial planning, information and referral and assistance in obtaining veteran benefits. Outreach team is available.
The White House website has prepared information regarding the coronavirus including resources, updates and “what you should know.” The website details “The President’s Coronavirus Guidelines for America.”
- How to protect yourself.
- If you think you are sick.
- What you need to know.
- Resources for the community.
- COVID-19 cases in the U.S.
- Latest updates / What’s new.
- Information for healthcare professionals.
World Health Organizations (WHO)
The WHO (World Health Organization) is the world’s leading health agency consisting of 7,000 people from more than 150 countries working in 150 country offices, in 6 regional offices and at its headquarters in Geneva. The organization's guiding principle that all people should enjoy the highest standard of health, regardless of race, religion, political belief, economic or social condition, has guided WHO’s work for the past 70 years, since it was first set up as the lead agency for international health in the new United Nations system. In response to this recent pandemic the WHO has a dedicated web page to The Novel Coronavirus Disease 2019.
Is my business eligible to receive any money from the recently passed CARE legislation?
The U.S. Chamber of Commerce provides a Small Business Guide and Checklist to help you determine if your business is eligible.
How can my business help support the COVID-19 pandemic efforts?
FEMA offers ways the private sector can join the fight against COVID-19. If your business provides medical supplies and equipment, FEMA is making efforts to match the offers of assistance to the right place, at the right time, and in the right quantity. Learn more at this link.
Non-medical goods and/or services are also in need. See how to help here.
How can I offer assistance to my employees if I’m not able to pay them?
Due to a slowdown in business, employers may find they have to lay off employees, cut back staff hours, or are impacted by employee absences due to COVID-19 illness or related issues. There is assistance available to address these needs:
- UI Work Sharing Program, which partially offsets reduced worker hours and wages with UI benefits. The program allows you to retain trained employees and quickly prepare for when business improves. You can apply for a Work Sharing plan by completing the application and mailing it to the address on the top of the form.
- Explore options offered by the Economic Development Department (EDD) for: unemployment insurance, disability and paid family leave.
I can’t pay my rent, can I be evicted?
Governor Newsom’s Executive Order and the City of Mission Viejo’s Urgency Ordinance prohibits tenant evictions if rent cannot be paid due to coronavirus-related issues until May 31, 2020. There are guidelines provided that tenants need to follow including proper notification and documentation provided to the landlord to support your inability to pay rent. Additional details are available in our Rental Assistance section in Urgency Ordinance (20-337) and Governor Newsom’s Executive Order N-28-20, Executive Order N-37-20.
I can’t pay my mortgage; can the bank foreclose on my house?
Many banks are offering help if you cannot pay your mortgage due to coronavirus-related events. Contact your bank immediately to learn what options are available to you.